 I gave my bank account details to the jobcentre on monday? |
| do u think my money will be in my bank account today as i get paid today i really need to know coz i might have to pick it ... |
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 How to start my credit history? |
| I have tried applying for credit cards but they won't except me because I don't have any credit what so ever. I want to start my credit, how can I do this when no credit card company wants ... |
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 Building credit wih credit cards...? |
| How long do you need to leave the balance on the card in order to build credit? For instance if I use it today, can I pay it off tomorrow and still build credit or exactly how does that work?... |
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 What would you do if you had a friend that you had a joint credit card account with and they weren't paying. |
| Was trying to help someone build there credit but didn't know there credit was so bad. Tried switching card to them solely but with there credit so bad can't. Also having a hard time ... |
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 What happens if you dont pay the minimum payment amount (or nothing at all) on a credit card? |
| (dont worry, i'm not planning to do it, but I'm just curious as it doesnt say what will happen.......aside from bad credit)... |
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 Why can u buy a house with bad credit but not refinance a house with good credit? |
| I have been trying to refinance my house for 2 or 3 months now. I have a credit score of 684. I have never had any late payments on my mortgage. Why can't I get my house refinanced?... |
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 A slight blemish on credit report. To pay in full or to pay a settlement offer? |
| My husband has an outstanding balance of 400.00 from an ambulance transport(long ago) (that was not known of till now) on his credit report. It shows it wasnt paid. He was not covered by insurance at ... |
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 When do w2's come in the mail? |
| does anyone know when w-2's come in the mail generally? Today is the 14th. Could they come any day now? Has anyone gotten theirs already?... |
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 I have a delinquency on my credit report when I didnt pay a doctor's bill. How can I clear it from my report |
| I want to clear it from my credit report so that it doesnt appear as a delinquency. They have already sent it to collection agency. what can i tell the collection agency in order to remove it as if ... |
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 I need to rent an apartment a.s.a.p.,I have bad credit,& I have contacted credit repair agencies.? |
| First of all,does credit repair work?(If only long enough for me to get a place,that's o.k.) And will it help me get an apartment by Oct.I don't have the time or patience to do the credit ... |
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 Credit Card? |
How long does it normally take to get a Credit card in the mail after being approved?
Additional Details
I am only going to use it so I can get a notebook computer and that is all. Not ... |
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 I have been billed for Food and Wine magazine.This was on my Feb statement. I did not order this magazine.? |
| Do you want to call them or should I? Also, I did not know that I had a credit of $16.50. What was that applied to? I pay our acct. on line when it is due. So, we should not have any finance chgs. A... |
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 Can I take out a small loan from a bank to improve a low credit score? |
| Some one told me to take out a small loan (3 or 4 thousand) and pay off debts and then pay off that loan on time and that would increase my credit score alot? Is that true....imean can i get even a ... |
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 What happens when a collection agency fails to collect the money that is owed on behalf of the creditor? |
| I have some credit card debt that went to a collection agency and I don't have the money to pay at this time. They know this too.Their settlement options were outrageous and the representative ... |
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 Is it safe to associate my credit card with paypal? |
| Have anybody did this before? Any bad/good thing occured please give your ... |
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 What credit card is best for me? |
| I am a 21 year old Junior In college with little credit. I have less than 15000 in school loans. Do i want cash back, points? I know of ppl that were late and thier interest shot through the roof?... |
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 If I do a balance transfer to just one credit card from 2 will it hurt my credit? |
| I recently got 3 low balance high interest rate cards. I got approved for $750 recently which was the highest and it has 0% for 12 months. Obviously I want to do a balance transfer but I am afraid ... |
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Wayne L. | Credit Card cancellation? |
Okay, I am thinking of cancel two of my credit cards, which i've already paid off. My question is, will it damage or cause my current score go lower? **I barely use that 2 credit cards** |
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. S
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if theres no money owed to them, DO NOT CANCEL THEM but take them out of your wallet or purse and put them in your safe. (if you have a safe and you can get a SMALL one for 30 bucks) HAVING credit cards EVEN if you arent using them looks GOOD on your credit report. I have numerous credit cards with NO money owed to them, sitting in my safe. I keep 1 in my wallet that is still on its 0% APR in case of an emergency. BUt dont cancel them, it will look better to creditors if theyre listed on your crdit report as PAID AS AGREED and it will show your balance available for each card. This will show prospective creditors that you have "money" available to pay off anything that you might "borrow" from them buy applying for a loan or another card. But if you have no cards, they will think youre not as apt to be capable of making payments. Trust me, its like having more than one bank account, creditors LIKE to see that you have accounts at more than one bank for the SAME reason, the better liklihood of you being able to pay your bills. |
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VIDYADHARA B
 |
No |
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Jeison Iyasu
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No, it will not harm your credit score, but keep at least one credit card account open.
It is both good and bad to have multiple credit cards.
Good, for building credit score, bad, credit card companies only mean business, they're not human in a sense, they careless about our problems.
Also, it is the opportunity for them top rip us off with late fees, interests, etc ...
Personal experience. |
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BLR
 |
It is good for your rating to have something you pay on routinely, like a car, house or a credit card, but one is enough and good to have for emergencies. |
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Molly
 |
Never Ever Ever cancel your FIRST credit card. it is always good to keep them open. cut them up and dont use them. it always looks good on ur credit reports that you have multiple credit cards. |
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uknowme
 |
yes. when evaluating your credit score they use a formula based on the amt of $ avail for you to use and how much you actually use. So if you have a credit limit of 30000 on all your cards and only charge 500 at any one time you'll have a higher score. Now if you get rid of 2 cards and now you only have a 10000 limit that 500 dollars is a bigger percentage of credit avail |
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Staci C
 |
Cancel them, to remove any possible temptation of using.
Whether you cancel or not use them at all and keep them, will still have the same effect on your fica score.
Your score is based on your credit worth and the ability to pay back that debt in a timely fashion.
So to cancel or to keep and not use, has the exact same effect. |
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flavorlicious
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always keep one open dont close everything its good for your credit rating |
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KISSAHOG
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NO IT ACTUALLY WILL WORK TO YOUR ADVANTAGE BECAUSE IT SHOWS YOU DON'T HAVE ALL THIS CREDIT AVAILABLE TO YOU THAT YOU CAN USE UP AND WON'T BE ABLE TO PAY YOUR DEBTORS.
BUT DO KEEP 1 (ONE) CREDIT CARD FOR IN CASE OF EMERGENCY.
AND CONGRATULATIONS ON BEING ABLE TO SUCCESSFULLY MANAGE YOUR FINANCES AND GOOD CREDIT HISTORY, |
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ahelp
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why even have two credit card if you cant pay one! |
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The::Mega
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No, in fact the less revolving credit you have, the better it will look on a report. |
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